Digital-Stewards
ActiveSummary
Digital-Stewards has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139k and a net result of €48k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 44% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▲+10
Solvency78▼-10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 2.3 in 2024; short-term debt: 47.2% and cash: 80.8% of total assets), and 47.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.8%
Return on assets
18.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
29 d early
2023
44 d early
2022
8 d late
2021
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▲ 4.9%
2024 · €132k
2021: €87klowest in 5 years
2022: €154k▲ +77.9% vs 2021highest in 5 years
2023: €110k▼ -28.5% vs 2022
2024: €132k▲ +20.0% vs 2023
2025: €139k▲ +4.9% vs 2024
2021 → 2025
Total assets
€263k▲ 25.5%
2024 · €210k
2021: €186klowest in 5 years
2022: €265k▲ +42.5% vs 2021highest in 5 years
2023: €220k▼ -17.0% vs 2022
2024: €210k▼ -4.6% vs 2023
2025: €263k▲ +25.5% vs 2024
2021 → 2025
Net result
€48k▲ 120%
2024 · €22k
2021: €27k
2022: €68k▲ +148% vs 2021highest in 5 years
2023: €-44k▼ -165% vs 2022lowest in 5 years
2024: €22k▲ +150% vs 2023
2025: €48k▲ +120% vs 2024
2021 → 2025
Working capital
€120k▲ 19.4%
2024 · €100k
2021: €74k
2022: €113k▲ +52.8% vs 2021
2023: €73k▼ -35.7% vs 2022lowest in 5 years
2024: €100k▲ +37.6% vs 2023
2025: €120k▲ +19.4% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€154k▲ 77.9%€110k▼ 28.5%€132k▲ 20.0%€139k▲ 4.9%
2021: €87klowest in 5 years
2022: €154k▲ +77.9% vs 2021highest in 5 years
2023: €110k▼ -28.5% vs 2022
2024: €132k▲ +20.0% vs 2023
2025: €139k▲ +4.9% vs 2024
Operating result€42k-€92k▲ 120%€-41k€29k€68k▲ 134%
2021: €42k
2022: €92k▲ +120% vs 2021highest in 5 years
2023: €-41k▼ -145% vs 2022lowest in 5 years
2024: €29k▲ +171% vs 2023
2025: €68k▲ +134% vs 2024
Net result€27k-€68k▲ 148%€-44k€22k€48k▲ 120%
2021: €27k
2022: €68k▲ +148% vs 2021highest in 5 years
2023: €-44k▼ -165% vs 2022lowest in 5 years
2024: €22k▲ +150% vs 2023
2025: €48k▲ +120% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 134% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€19k ▼ 40.7%
Current assets
€244k ▲ 37.5%
Equity and liabilities €263k
Equity
€139k ▲ 4.9%
Debt
€124k ▲ 60.7%
Debt's share of the balance-sheet total rises from 36.9% to 47.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€79k▲
2024 · €41k
Cash flow
€59k▲
2024 · €34k
Current ratio
1.96▼
2024 · 2.30
Quick ratio
1.90▼
2024 · 2.17
Debt to equity
0.90▲
2024 · 0.58
ROE
34.9%▲
2024 · 16.7%
ROA
18.4%▲
2024 · 10.5%
Interest coverage
92.43▲
2024 · 38.90
Debt ≤ 1 year
€124k▲
2024 · €77k
Income taxes
€19k▲
2024 · €6k
Staff costs
€156k▼
2024 · €182k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€210k€263k▲
Fixed assets21/28€32k€19k▼
Tangible fixed assets22/27€32k€19k▼
Furniture and vehicles24€32k€19k▼
Current assets29/58€177k€244k▲
Stocks and contracts in progress3€10k€8k▼
Stocks30/36€10k€8k▼
Amounts receivable within one year40/41€17k€15k▼
Trade receivables40€17k€11k▼
Other amounts receivable41€259€5k▲
Cash at bank and in hand54/58€147k€212k▲
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€210k€263k▲
Equity10/15€132k€139k▲
Contributions10/11€5k€5k=
Reserves13€127k€134k▲
Distributable reserves133€127k€134k▲
Amounts payable17/49€77k€124k▲
Amounts payable within one year42/48€77k€124k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€41k€44k▲
Suppliers440/4€41k€44k▲
Taxes, remuneration and social security45€30k€28k▼
Taxes450/3€12k€9k▼
Remuneration and social security454/9€18k€18k▲
Other amounts payable47/48€6k€49k▲
Accrued charges and deferred income492/3€156-
Income statement
Code20242025
Non-recurring operating income76A-€14k
Remuneration, social security and pensions62€182k€156k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€226k€236k▲
Operating profit (loss)9901€29k€68k▲
Financial income75/76B€2€14▲
Recurring financial income75€2€14▲
Financial charges65/66B€1k€851▼
Recurring financial charges65€1k€851▼
Profit (loss) for the period before taxes9903€28k€67k▲
Income taxes67/77€6k€19k▲
Profit (loss) for the period9904€22k€48k▲
Profit (loss) for the period to be appropriated9905€22k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€48k▲
Transfer from equity791/2-€42k
Transfer to equity691/2€22k€48k▲
To other reserves6921€22k€48k▲
Profit to be distributed694/7-€42k
Return on contributions (dividend)694-€42k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €2k | - | €14k | - |
| Remuneration, social security and pensions62 | €92k | €176k | €218k | €182k | €156k | ▼ 14.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €7k | €10k | €12k | €10k | ▼ 11.3% |
| Other operating charges640/8 | €1k | €2k | €3k | €3k | €2k | ▼ 26.5% |
| Gross operating margin9900 | €139k | €278k | €189k | €226k | €236k | ▲ 4.7% |
| Operating profit (loss)9901 | €42k | €92k | €-41k | €29k | €68k | ▲ 134% |
| Financial income75/76B | €61 | €0 | €1 | €2 | €14 | ▲ 656% |
| Recurring financial income75 | €61 | €0 | €1 | €2 | €14 | ▲ 656% |
| Financial charges65/66B | €1k | €2k | €2k | €1k | €851 | ▼ 19.0% |
| Recurring financial charges65 | €1k | €2k | €2k | €1k | €851 | ▼ 19.0% |
| Profit (loss) for the period before taxes9903 | €41k | €90k | €-43k | €28k | €67k | ▲ 140% |
| Income taxes67/77 | €13k | €22k | €816 | €6k | €19k | ▲ 214% |
| Profit (loss) for the period9904 | €27k | €68k | €-44k | €22k | €48k | ▲ 120% |
| Profit (loss) for the period to be appropriated9905 | €27k | €68k | €-44k | €22k | €48k | ▲ 120% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €186k | €265k | €220k | €210k | €263k | ▲ 25.5% |
| Fixed assets21/28 | €13k | €41k | €37k | €32k | €19k | ▼ 40.7% |
| Tangible fixed assets22/27 | €13k | €41k | €37k | €32k | €19k | ▼ 40.7% |
| Furniture and vehicles24 | €13k | €41k | €37k | €32k | €19k | ▼ 40.7% |
| Current assets29/58 | €173k | €224k | €182k | €177k | €244k | ▲ 37.5% |
| Stocks and contracts in progress3 | - | - | €22k | €10k | €8k | ▼ 20.5% |
| Stocks30/36 | - | - | €22k | €10k | €8k | ▼ 20.5% |
| Amounts receivable within one year40/41 | €28k | €44k | €64k | €17k | €15k | ▼ 8.2% |
| Trade receivables40 | €28k | €44k | €63k | €17k | €11k | ▼ 34.1% |
| Other amounts receivable41 | €86 | €224 | €2k | €259 | €5k | ▲ 1,647% |
| Cash at bank and in hand54/58 | €138k | €172k | €85k | €147k | €212k | ▲ 44.6% |
| Deferred charges and accrued income490/1 | €7k | €7k | €11k | €3k | €8k | ▲ 126% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €186k | €265k | €220k | €210k | €263k | ▲ 25.5% |
| Equity10/15 | €87k | €154k | €110k | €132k | €139k | ▲ 4.9% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | €82k | €149k | €105k | €127k | €134k | ▲ 5.1% |
| Distributable reserves133 | €82k | €149k | €105k | €127k | €134k | ▲ 5.1% |
| Amounts payable17/49 | €99k | €111k | €109k | €77k | €124k | ▲ 60.7% |
| Amounts payable within one year42/48 | €99k | €111k | €109k | €77k | €124k | ▲ 61.1% |
| Current portion of amounts payable after more than one year42 | - | €4k | - | - | €3k | - |
| Trade debts44 | €24k | €54k | €67k | €41k | €44k | ▲ 8.8% |
| Suppliers440/4 | €24k | €54k | €67k | €41k | €44k | ▲ 8.8% |
| Taxes, remuneration and social security45 | €59k | €45k | €36k | €30k | €28k | ▼ 8.3% |
| Taxes450/3 | €48k | €24k | €10k | €12k | €9k | ▼ 25.5% |
| Remuneration and social security454/9 | €11k | €21k | €26k | €18k | €18k | ▲ 3.6% |
| Other amounts payable47/48 | €16k | €7k | €7k | €6k | €49k | ▲ 692% |
| Accrued charges and deferred income492/3 | - | - | - | €156 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27k | €68k | €-44k | €22k | €48k | ▲ 120% |
| + Depreciation and write-downs630 | €4k | €7k | €10k | €12k | €10k | ▼ 11.3% |
| Operating cash flow (approximation) | €31k | €74k | €-34k | €34k | €59k | ▲ 74.3% |
| Investment in fixed assets (approximation) | - | €-35k | €-6k | €-7k | €3k | ▲ 142% |
| Change in cash | - | €34k | €-87k | €62k | €66k | ▲ 6.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Highest result since 2021net €68k ▲148%
Operating result €92k, net result €68k, both a record.
31-12
Financial
Equity above €150kEq €154k ▲77.9%
2 profitable years in a row build equity to €154k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2019
Ground area
407 m²
Building footprint
107 m²
Volume, LiDAR
614 m³
Parcel 24040B0176/00E022, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Digital-Stewards
since 20192.297.536.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24040B0176/00E022 | Flanders | 407 m² | 1 · 107 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,395 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
Scores and ratios are computed by Checked and are not a credit decision.